🇿🇦 SA Bond / Home Loan Calculator 2026
Monthly Repayment
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Loan Amount
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Total Interest
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Total Repaid
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Property Price-
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Monthly Repayment-
Total Interest Paid-
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Transfer Duty (est.)-
💡 SA Home Loan Tips 2026
Prime Rate in SA 2026
South Africa's prime lending rate was 11.25% in early 2026 as the SARB gradually cut rates from the 2023 peak of 11.75%. Most home loans are priced at prime or prime minus 0.5-1% for well-qualified buyers.
Transfer Duty Threshold
Properties below R1,100,000 are exempt from transfer duty in South Africa. Above this, transfer duty is charged on a sliding scale up to 13% for properties over R2,500,000. First-time buyers get no special exemption beyond the threshold.
Bond + Transfer Costs
Budget for bond registration costs (about 1-1.5% of bond amount) and transfer costs (transfer duty plus conveyancing fees). These add up to 2-5% of the property price and must be paid upfront in cash.